UBS S&P Dividend Aristocrats ESG Elite UCITS ETF USD dis

What this fund is

UBS S&P Dividend Aristocrats ESG Elite UCITS ETF USD dis is an exchange-traded fund (ETF) from UBS, traded under the ticker 0Y5Z (ISIN IE00BMP3HG27). It lets you buy a basket of holdings in a single trade, spreading your money across them rather than one company. In plain terms it is about owning small slices of companies, so you share in their growth when they do well — and their falls when they don't, spread across its target market. Rather than a manager picking stocks, it simply replicates the S&P Dividend Aristocrats ESG Elite index — the passive, low-cost approach, and its largest holdings include LEGAL & GENERAL GROUP PLC, WILEY (JOHN) & SONS-CLASS A and FRANKLIN RESOURCES INC. Geographically it leans ~10.8% United States, ~3.5% United Kingdom and ~1.6% Canada.

Its heaviest sectors are ~5.2% Financials and ~4.9% Communication Services. Funds like this are commonly chosen by investors who want a regular cash income stream rather than reinvesting everything for growth. Its ongoing charge (TER) is 0.3% a year — about €30 a year on a €10,000 holding, taken automatically from the fund. Income such as dividends is paid out to you as cash (a distributing share class), and over the last year it paid out roughly 1.05% (its trailing yield). It holds the underlying investments directly (physical replication); it is domiciled in Ireland and UCITS-regulated, a European standard built to protect everyday investors and trades in USD.

Its price has swung about 24.2% over the past year — a gauge of how much the value moves, not a judgement of quality. It launched in 2014. As with any investment, its value can go down as well as up, and past performance is not a guide to future results. (Fund data sourced from UBS.)